{"id":3968,"date":"2019-04-06T14:15:00","date_gmt":"2019-04-06T14:15:00","guid":{"rendered":"https:\/\/whelkdev10.ca\/?page_id=3968"},"modified":"2024-03-28T21:35:51","modified_gmt":"2024-03-28T21:35:51","slug":"how-the-insurance-claims-process-works","status":"publish","type":"page","link":"https:\/\/northernlightsexteriors.com\/denver-storm-damage\/how-the-insurance-claims-process-works\/","title":{"rendered":"HOW THE INSURANCE CLAIM PROCESS WORKS"},"content":{"rendered":"<h1 style=\"text-align: left;\">How the Insurance Claims Process Works (And Sometimes Doesn\u2019t Work)<\/h1>\n<h2 style=\"text-align: left;\">How it\u2019s frequently possible to get your insurance company to pay much more than you or they expected.<\/h2>\n<p><span style=\"font-weight: 400;\">It\u2019s bad enough when you have a hail storm or the famous Colorado winds blow through your town and damage your property, but that\u2019s just the start: afterwards, you face a long and urgent process of getting your property back to the way it was.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s unfortunate when nature drops this mess into your lap. But there\u2019s a hard way to deal with the problem\u2026and an easier way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The hard way involves lots of your time, to: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">temporarily make your property safe for inhabiting (with tarps, boarding up, or other temporary fixes)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">find and screen multiple subcontractors <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">deal with your insurance company<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">deal with your mortgage company<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">possibly deal with city workers and utilities<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Oh yes, and also carry on with the full-time life that you had before the disaster.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In this whole mess, your insurance company plays a central role: after all, they\u2019re the ones who can write a check to get the ball rolling to fix your property.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s the problem: Your insurance company likes to collect your insurance premiums, but when it comes time to pay for some disaster you\u2019ve experienced\u2014<\/span><b>the less they pay out, the bigger their profits.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Insurance is a numbers game: collect as much in premiums as possible, and pay out as little in claims as possible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That may be OK, if the deck were not stacked against you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But it is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">How? Because the insurance company is expert at being able to assess damage and process claims\u2014and you\u2019re not. That means that you\u2019re in the vulnerable position of having to <\/span><b>take their word for how much money to pay you&#8230;<\/b><\/p>\n<h3 style=\"text-align: center;\"><span style=\"font-weight: 400;\">&#8230;Unless you have Northern Lights Exteriors in your corner.<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you have a <a href=\"https:\/\/northernlightsexteriors.com\/denver-storm-damage\/\">restoration project<\/a> after a hail storm, wind storm, or other natural disaster, we become a partner to help you get the largest-possible check from your insurance company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We have people on our staff who have been trained in the insurance-claims process. We have the same software that the insurance companies use to create their insurance claims, and we speak the same language about what needs fixing. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The big difference is that we are looking out for you, working to get you a bigger check.<\/span><\/p>\n<p><b>Here\u2019s what happens after a major storm<\/b><\/p>\n<p><span style=\"font-weight: 400;\">As you know, when a big storm hits Colorado, a great deal of damage can happen, and fast. For example, a hail storm might drop golfball-size hail in a matter of minutes on hundreds of homes and businesses in a town. Suddenly, all those hundreds of homeowners need roof repairs at the same time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what then happens:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">All the local contractors get flooded with calls<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">News of the storm spreads rapidly across the country, given the 24-hour weather channels on TV and the internet.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Within a few days, contractors descend on Colorado from neighboring states and even from across the country, and start knocking on doors. After all, it\u2019s easy to see who got hit.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Meanwhile, the insurance companies that insured these damaged properties become overwhelmed. They have people on staff called \u201cinsurance adjusters.\u201d It\u2019s a weird term, because exactly what are they adjusting? Anyway, their job is to visit a property as soon as possible, assess the damage quickly, determine if the insurance company is liable for any of those damages, and write up a claim, or report. Their goal is to offer as little as possible, while getting a signature from the homeowner to agree to that claim amount as final settlement of the damage.<\/span><\/p>\n<h3>Here\u2019s the first problem:<\/h3>\n<p><span style=\"font-weight: 400;\">Sometimes those companies are so overwhelmed, they hire freelance Denver insurance adjusters from other states to come and help with the crush of cases they need to work through. Those freelancers might be great, or they may not be familiar with all the building codes in Colorado, never mind the specific codes and practices that the building inspector mandates in your particular town. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, an adjuster who is not familiar with the building code in Longmont, CO might write up a repair estimate for a common type of roofing shingle called \u201c3-tab\u201d. What the adjuster might not know is that Longmont has a 3-tab Rule: If you have more than 100 square feet of damage on the roof that uses 3-tab shingles, you must replace the entire roof. Just that one piece of knowledge alone could increase the insurance claim by many thousands of dollars, resulting in the homeowner getting a brand-new roof, instead of a patched roof with colors that now don\u2019t match.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because you likely won\u2019t know how knowledgeable and experienced the adjuster is who visits your property, we have a simple recommendation: <\/span><b>no matter how smooth or confident the insurance adjuster is, you should always get a second opinion. Always. Do not be pressured into signing on the spot.<\/b><\/p>\n<h3>Be on guard for the second problem:<\/h3>\n<p><span style=\"font-weight: 400;\">Sad but true: some shady insurance adjusters will try to talk homeowners out of filing a claim in the first place. They\u2019ll say stuff like: \u201cWell, okaaay, if you want, you can file a claim&#8230;but maybe you should think twice about that. What if your insurance premium goes up?\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What they don\u2019t say\u2014and what most homeowners don\u2019t know\u2014is that property insurance is not like car insurance. If you\u2019re a bad driver and you cause an accident, your rates will go up. In contrast, natural disasters are considered \u201cActs of God.\u201d The insurance companies can\u2019t blame you for something that happened to your whole zip code. So don\u2019t fall for that trick.<\/span><\/p>\n<h3>Here\u2019s yet another game some companies play:<\/h3>\n<p><span style=\"font-weight: 400;\">Sometimes contractors will present you with a low-ball offer, in order to get your business. What they don\u2019t tell you is they are not including all the materials and labor to bring the property up to the current building code. That\u2019s why they can bid so low. And they\u2019ll do the work without going to city hall to get a construction permit. They know that if they took out (\u201cpulled\u201d) the permit, then the city would send out an inspector at the end of the job. The inspector most likely would not approve the low-ball work because it was not up to code, so the contractor never pulls that permit in the first place. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">You should always insist on having the contractor pull the permits, and on having in writing that the job will include everything necessary to bring that part of the property up to code.<\/span><\/p>\n<h3>Never let this happen to you!<\/h3>\n<p><span style=\"font-weight: 400;\">Denver insurance companies typically will not write one big check for major damage, but will pay out a claim over multiple checks. Some dishonest contractors will tell you that they need to have the first check from the insurance company signed over to them, so they can buy materials for the job, and \u201csecure your place in line.\u201d It sounds plausible. Don\u2019t do it: the scary truth is some contractors collect several insurance checks like this after a storm&#8230;and then they disappear. Their phone is disconnected and they may have left the state.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It gets worse: the insurance company won\u2019t eat that expense and won\u2019t send you a replacement check. They paid you once and that was their only obligation. Oh sure you can file a grievance with your state office of consumer affairs. And wait. And wait. While you now don\u2019t have the money to fix your property.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Northern Lights Exteriors has a better approach: <\/span><b>we don\u2019t ask for a penny until a substantial piece of the work is done.<\/b><span style=\"font-weight: 400;\"> You\u2019ve been through enough, and we think this is the right way to do business.<\/span><\/p>\n<p><b>You need someone in your corner, negotiating for <\/b><b><i>you<\/i><\/b><\/p>\n<p><span style=\"font-weight: 400;\">One option is for you to Google the term \u201cpublic adjusters.\u201d They are people with the same skills as the insurance-company adjusters, but the difference is <\/span><b>they work for you.<\/b><span style=\"font-weight: 400;\"> Pardon the language, but you need a bad-ass working for you, who knows all the tricks and games, and who will get the largest claim check that is lawfully available from the insurance company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You have another good option besides hiring a public adjuster to represent you with the insurance companies: we can do the same thing, and we do it all the time. We have people who are trained in the same claims process as insurance adjusters. The only difference is our people are compensated not by how little the insurance company pays out, but by<\/span><b> how much additional money the insurance company pays out to you. Maybe best of all, you don\u2019t need to pay anything extra for this service. <\/b><\/p>\n<p><span style=\"font-weight: 400;\">You may wonder: \u201cIf this service is so valuable, why is Northern Lights offering it for free?\u201d The answer is simple: We know that you have hundreds of companies to choose from when you\u2019re considering exterior work to your property. We have these trained people on staff in order to go the extra mile for you and win your business. It\u2019s true that a larger claim may mean more business for us doing the repairs, but it\u2019s important to understand that you are not obligated to use us to do the repairs. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Please note:<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">We\u2019re not guaranteeing the sort of results you see above, because insurance adjusters differ greatly. Some of them are highly experienced and competent, and they produce claim estimates that are accurate. Others, not so much.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before you have major surgery in a hospital, it\u2019s always a good policy to get a second opinion. Before your property gets major surgery, we think it\u2019s prudent for you also to get a second opinion. We\u2019d be happy to provide that service to you. Just call us at <a href=\"tel:3037765263\"><span style=\"color: #000000;\"><strong>303-776-5263.<\/strong><\/span><\/a><\/span><\/p>\n<div class=\"fusion-text fusion-text-8\">\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"30\" data-lineheight=\"39px\">Some of the situations we\u2019ve dealt with, and how we \u201cgo to bat\u201d for homeowners<\/h2>\n<\/div>\n<div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\">\n<div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-8 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\">\n<div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\">\n<div class=\"fusion-text fusion-text-9\">\n<h3 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"14\" data-lineheight=\"23.38px\">EVANS, COLORADO<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright\" src=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-claim.jpg\" alt=\"Denver Insurance Claims Process | Northern Lights Exteriors\" width=\"400\" height=\"267\"><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"fusion-separator fusion-full-width-sep\"><span style=\"font-size: 1.6rem;\">We were contacted by the homeowner about damage due to a hail storm. The Denver insurance company\u2019s adjuster had already been out to the house, and had concluded that the house needed only some relatively minor repairs.<\/span><\/div>\n<div class=\"fusion-text fusion-text-10\">\n<p>The house was rectangular, with two long sides and two short sides. The adjuster told the homeowner that the insurance company would replace the siding on one of the short sides of the house, and that the old siding on that short side could be removed and used to repair the siding on the long side of the house. The homeowner wanted our opinion.<\/p>\n<p>We inspected the property and concluded that this proposal would not be in the best interest of the homeowner: first of all, the siding was 20 years old, and was no longer even available for purchase. Therefore the colors would not match. The new \u201cshort side\u201d of the house would not match the repaired longer side.<\/p>\n<p>The adjuster and insurance company agreed with our assessment, and paid to have the entire house covered in new siding.<\/p>\n<\/div>\n<h3>WINDSOR, COLORADO<\/h3>\n<p><span class=\" fusion-imageframe imageframe-bottomshadow imageframe-6 element-bottomshadow\"><img loading=\"lazy\" decoding=\"async\" class=\"img-responsive wp-image-3987 lazyautosizes lazyloaded alignright\" title=\"northern-lights-exteriors-insurance-hail\" src=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail.jpg\" sizes=\"395px\" srcset=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail-200x133.jpg 200w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail-400x267.jpg 400w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail-600x400.jpg 600w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail.jpg 800w\" alt=\"Denver Insurance Claims Process | Northern Lights Exteriors\" width=\"401\" height=\"267\" data-orig-src=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail.jpg\" data-srcset=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail-200x133.jpg 200w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail-400x267.jpg 400w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail-600x400.jpg 600w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-insurance-hail.jpg 800w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 800px\"><\/span><\/p>\n<div class=\"fusion-text fusion-text-12\">\n<p>This case involved a police officer who was also a single mom. After hail damaged her house, she was given a claim offer by the Denver insurance company. She had been sitting on the offer, because it was only for one window, a sliding-glass door, and a few small things on the roof like vents. It seemed like the claim didn\u2019t square with the damage she could see with her own eyes.<\/p>\n<p>She called us and we did our own inspection (it costs nothing, by the way). We determined that two other windows had been damaged, as well as the siding on two sides of the house. In addition, we concluded that the roof needed to be replaced\u2013it was shot.<\/p>\n<p>We worked with the insurance company, which eventually agreed with our assessment and rewrote its claim.<\/p>\n<\/div>\n<h3 class=\"fusion-separator fusion-full-width-sep\">DOLLARS-AND-CENTS\u2026<\/h3>\n<p><span class=\" fusion-imageframe imageframe-bottomshadow imageframe-7 element-bottomshadow\"><img loading=\"lazy\" decoding=\"async\" class=\"img-responsive wp-image-3988 lazyautosizes lazyloaded alignright\" title=\"northern-lights-exteriors-hail-damage\" src=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage.jpg\" sizes=\"395px\" srcset=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage-200x133.jpg 200w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage-400x267.jpg 400w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage-600x400.jpg 600w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage.jpg 800w\" alt=\"Denver Insurance Claims Process | Northern Lights Exteriors\" width=\"400\" height=\"267\" data-orig-src=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage.jpg\" data-srcset=\"https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage-200x133.jpg 200w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage-400x267.jpg 400w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage-600x400.jpg 600w, https:\/\/northernlightsexteriors.com\/wp-content\/uploads\/2024\/02\/northern-lights-exteriors-hail-damage.jpg 800w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 800px\"><\/span><\/p>\n<div class=\"fusion-text fusion-text-14\">\n<p><b>Here are some dollars-and-cents examples:<\/b><\/p>\n<p>The above are just two examples of how the process works. Below are several more cases, and specifically what we were able to achieve in dollar terms for homeowners:<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-15\">\n<p><b>Longmont, CO: We got an additional $8,767.92 for the homeowner<\/b><\/p>\n<p>The original insurance estimate was for $17,000 for roofing and gutters. After we reviewed the damage, we pointed out where the estimate was deficient.<\/p>\n<p>We got the estimate to be re-written for correct market costs and additional components required by the local municipal code. The final claim amount was $25,767.92.&nbsp;<b>We increased the insurance claim by 51.6%<\/b><\/p>\n<p><b>Lafayette, CO: We got an additional $11,102.00 for the homeowner<\/b><\/p>\n<p>The original insurance estimate was for $22,197 for roofing and gutters. We negotiated with the insurance company for realistic market costs and for additional materials that were required, based on city rules.<\/p>\n<p>The check to the homeowner was for $33,299 instead of $22,197.&nbsp;<b>That\u2019s an additional $11,102.00 or 50.0%<\/b><\/p>\n<p><b>Boulder, CO: We got an additional $166,977.01 for the homeowner<\/b><\/p>\n<p>The original insurance estimate was for $74,852. The homeowner called us in and we had multiple meetings with the insurance company\u2019s adjuster. The insurance company eventually agreed that there was substantial additional damage to many windows.<\/p>\n<p>The check to the homeowner was for $241,829.01 instead of $74,852. That\u2019s an additional $166,977.01, or a 223.1% increase.<\/p>\n<p><b>Brighton, CO: We got an additional $8,552.06 for the homeowner<\/b><\/p>\n<p>The original estimate was for $12,055.94. After our inspection, we pointed out the correct market costs and additional components required per the Brighton municipal code.<\/p>\n<p>The check to the homeowner was for $20,608.00 instead of $12.055.94. That\u2019s an additional $8,552,06, or a 70.9% increase.<\/p>\n<p><b>Frederick, CO: We got an additional $8,745.00 for the homeowner<\/b><\/p>\n<p>The original estimate was for $5,794. Again it was a matter of looking very closely at the damage, the building code requirements, and what it would cost to repair the property.<\/p>\n<p>The check to the homeowner was for $14,719 instead of $5,794.00. That\u2019s an additional $8,745.00, or a 146.4% increase.<\/p>\n<p><b>Louisville, CO: We got an additional $41,173.64 for the homeowner<\/b><\/p>\n<p>The original estimate was for $15,615. We discussed with the insurance adjuster the damage we found. Given the realistic costs we identified and the window damage that wasn\u2019t added to the original report, we got the adjuster to re-write the claim.<\/p>\n<p>The check to the homeowner was for $56,788.64 instead of $15,615. That\u2019s an additional $41,173.64, or a 263.7% increase.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>How the Insurance Claims Process Works (And Sometimes Doesn\u2019t Work) How it\u2019s frequently possible to get your insurance company to pay much more than you or they expected. It\u2019s bad enough when you have a hail storm or the famous Colorado winds blow through your town and damage your property, but that\u2019s just the start: afterwards, you face a long&nbsp;<span class=\"ellipsis\">&hellip;<\/span><\/p>\n","protected":false},"author":1,"featured_media":8869,"parent":5864,"menu_order":23,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ngg_post_thumbnail":0,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Roof Insurance Claims Denver, CO | Northern Lights Exteriors<\/title>\n<meta name=\"description\" content=\"Did you know it may be possible to get your insurance company to pay more for your home insurance claim? 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